Hawaii Central FCU has three exciting new checking accounts to offer its members. From high dividends to cash back and refunds on your entertainment needs, turn your everyday purchases into rewards by simply using your debit card. Select an account that fits your lifestyle and enjoy the rewards!

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I want higher-than-average APYs

CashREWARDS

The more money you have in your account, the more you'll earn. Get higher-than-average dividends on your balance each month with Cash Rewards and earn up to 2% additional dividends on balances up to $20,000.00.

This account is ideal for you if you:

Maintain higher balances

*To qualify to earn the additional 2% APY**, you must have completed the three items listed under "Monthly Requirements" during the qualifying month. If you do not have a qualifying loan, the additional APY will be 1%. Your rewards dividend will post in the next month's statement. **APY: Annual Percentage Yield. APY shown is accurate as of 9/1/16. Rates subject to change. For example: The standard rate for the Cash Rewards account is .05%, if you complete the three requirements within a qualifying month, your rate will be 2.05% (or 1.05%, if you do not have a qualifying loan). Note: Additional APY reward applies only to balances up to $20,000.00; balances over $20,000.00 will earn just the standard APY.

If these monthly rewards in total exceed $10.00 per annum, they will be reported as interest on the IRS 1099-INT form. If you do not qualify for one month, there is no service charge and you will still earn the standard dividend rate! When you do qualify, you will automatically start earning rewards again! Accounts closed before the end of the qualification month forfeit that month’s rewards. Note: If you receive a gift for enrolling in a Super Rewards checking account and the gift’s value exceeds $10.00, it will also be reported on the IRS 1099-INT form.

Qualifying Month: The entire calendar month. Debit card purchases may take one or more business days to post to the account, so purchases made at the end of the qualifying month may not qualify for that month. The following debit card transactions do not qualify:

Using your debit card in conjunction with internet payment services such as PayPal

ATM withdrawals

Qualifying Loan: A qualifying loan is a personal loan, automobile loan or line of credit with an outstanding balance. Note: If you do not have a qualifying loan, you are still able to earn rewards, see each account type for details.

Use your debit card frequently

*To qualify to earn the 2% cash back reward, you must have completed the three items listed under "Monthly Requirements" during the qualifying month. The 2% cash back reward is based on the total debit card purchases (ATM withdrawals do not qualify) posted during the qualifying month up to $35.00 cash back. If you do not have a qualifying loan, the cash back reward will be 1%, up to $25.00 cash back. Your cash back rewards will post in the next month's statement. For example: Your total debit card purchases for one qualifying month is $2,000.00, the 2% cash back amount is $40.00, you will receive $35.00 (or $25.00, if you do not have a qualifying loan) cash back posted to your Cash Back Rewards account the next month.

If these monthly rewards in total exceed $10.00 per annum, they will be reported as interest on the IRS 1099-INT form. If you do not qualify for one month, there is no service charge and you will still earn the standard dividend rate! When you do qualify, you will automatically start earning rewards again! Accounts closed before the end of the qualification month forfeit that month’s rewards. Note: If you receive a gift for enrolling in a Super Rewards checking account and the gift’s value exceeds $10.00, it will also be reported on the IRS 1099-INT form.

Qualifying Month: The entire calendar month. Debit card purchases may take one or more business days to post to the account, so purchases made at the end of the qualifying month may not qualify for that month. The following debit card transactions do not qualify:

Using your debit card in conjunction with internet payment services such as PayPal

ATM withdrawals

Qualifying Loan: A qualifying loan is a personal loan, automobile loan or line of credit with an outstanding balance. Note: If you do not have a qualifying loan, you are still able to earn rewards, see each account type for details.

I want refunds on music, movies, apps and more

ConnectedREWARDS

Refunds on what you need to stay entertained? Now that’s what we call the music to your wallet! Meet your music and entertainment demands with Connected Rewards and get reimbursed at the online stores you love the most – Netflix, Spotify, iTunes, Google Play and Amazon.

*To qualify to earn up to $20.00 in credit, you must have completed the three items listed under "Monthly Requirements" during the qualifying month. The amount of the credit reward is based on the total debit card purchases made on Netflix, Spotify®, iTunes®, Google Play™, or Amazon®. The maximum reward credit is $20.00. If you do not have a qualifying loan, the maximum reward credit will be $10.00. Your rewards credit will post in the next month’s statement. For example: Your online purchases made at the five sites listed above total $18.95 for one qualifying month, you will receive $18.95 (or $10.00, if you do not have a qualifying loan) credit posted to your Connected Rewards account the next month.

If these monthly rewards in total exceed $10.00 per annum, they will be reported as interest on the IRS 1099-INT form. If you do not qualify for one month, there is no service charge and you will still earn the standard dividend rate! When you do qualify, you will automatically start earning rewards again! Accounts closed before the end of the qualification month forfeit that month’s rewards. Note: If you receive a gift for enrolling in a Super Rewards checking account and the gift’s value exceeds $10.00, it will also be reported on the IRS 1099-INT form.

Qualifying Month: The entire calendar month. Debit card purchases may take one or more business days to post to the account, so purchases made at the end of the qualifying month may not qualify for that month. The following debit card transactions do not qualify:

Using your debit card in conjunction with internet payment services such as PayPal

ATM withdrawals

Qualifying Loan: A qualifying loan is a personal loan, automobile loan or line of credit with an outstanding balance. Note: If you do not have a qualifying loan, you are still able to earn rewards, see each account type for details.

FAQs

What does Super Rewards checking offer if I meet the monthly requirements?

Up to 2% additional dividends on balances up to $20,000 (Cash Rewards)

Up to 2% cash back on debit card purchases (Cash Back Rewards)

Up to $20 refund for select purchases with your debit card (Connected Rewards)

What if I don't meet the monthly qualifications?
There's no service charge and you'll still earn the standard dividend rate if you don't meet the monthly requirements. When you do qualify, you'll automatically start earning rewards again.

What are the debit card requirements?
Twenty (20) debit card transactions must post within the qualifying month. Debit card purchases may take one or more business days to post to the account, so purchases made at the end of the qualifying month may not qualify for that month. The following debit card transactions do not qualify: (1) Using your debit card in conjunction with internet payment services such as PayPal and (2) ATM withdrawals.

What are eStatements?
eStatements are a quick paperless alternative to traditional statements and the savings from our operating expenses are passed to you with these new checking account benefits.

What's a qualifying loan?
A qualifying loan is a personal loan, auto loan or line of credit with an outstanding balance or at least one transaction within the qualifying month. If you don't have a qualifying loan, you're still able to earn rewards, see each account type for details

Can I switch reward checking programs?
Yes,you can switch from one rewards program to another at any time as long as requests are made in writing. You must visit a branch to fill out a form or send a secure message through Online Banking.

Why are rewards/gifts reported on the IRA 1099-INT?
We’re required to report monthly rewards that exceed $10.00 annually as interest on the IRS 1099-INT form. If you receive a gift for enrolling in a Super Rewards checking account and the gift’s value exceeds $10.00, it’ll be also reported on the IRA 1099-INT form.

Will I receive a new debit card or checks?
No, new debit cards and checks won't be issued when you open or upgrade to a Super Rewards checking account unless you are a new member.

Current Members: If you're already a HCFCU member, please apply by clicking the Current Members button below.

Not a member? If you're not yet a member, you'll need to join HCFCU before requesting a checking account. Click the New Members button below to be directed to our online account application where you can get started on the application process.